Patents by Inventor Patrick Scott Lay

Patrick Scott Lay has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • SYSTEMS AND METHODS FOR PROCESSING COUPONS OVER A PAYMENT PROCESSING NETWORK
    Publication number: 20140156375
    Abstract: A system of electronically requesting, generating and processing a coupon over a payment processing network is provided. During a sales transaction, a purchaser at a point of sale (POS) terminal provides a customer identifier using a card with a magnetic stripe which is read by a magnetic card reader and then transmitted across the payment processing network along with product identifiers on the products being purchased. The customer identifier includes a banking identification number (BIN) which is read by a first server in the payment processing network and then forwarded to a coupon server. The coupon server uses the customer identifier and product identifier to select any coupons that are available for use by the purchaser and transmits the coupons back to the POS terminal, where the coupons are applied to the sales transaction.
    Type: Application
    Filed: October 16, 2013
    Publication date: June 5, 2014
    Applicant: CCE Credit Card Enterprises, Inc.
    Inventors: Michael Gerard Vaughan, James Francis Vaughan, Richard Henry Schmid, William Richard Restis, William Richard Restis, II, Patrick Scott Lay
  • SYSTEMS AND METHODS FOR PROCESSING COUPONS OVER A PAYMENT PROCESSING NETWORK
    Publication number: 20140156370
    Abstract: A system of electronically requesting, generating and processing a coupon over a payment processing network is provided. During a sales transaction, a purchaser at a point of sale (POS) terminal provides a customer identifier using a card with a magnetic stripe which is read by a magnetic card reader and then transmitted across the payment processing network along with product identifiers on the products being purchased. The customer identifier includes a banking identification number (BIN) which is read by a first server in the payment processing network and then forwarded to a coupon server. The coupon server uses the customer identifier and product identifier to select any coupons that are available for use by the purchaser and transmits the coupons back to the POS terminal, where the coupons are applied to the sales transaction.
    Type: Application
    Filed: December 4, 2012
    Publication date: June 5, 2014
    Applicant: CCE CREDIT CARD ENTERPRISES, INC.
    Inventors: Michael Gerard Vaughan, James Francis Vaughan, Richard Henry Schmid, William Richard Restis, William Richard Restis, II, Patrick Scott Lay